Granted it is hardly an onerous burden to have to punch these few extra buttons every time you use an ATM. But since you can do this, why not? Who knows what other links are out there waiting to be conceived?
Anyway I'm glad (and impressed) that someone out there is thinking, and always a little jealous that this possibility never occurred to me before.
This is clever, but not clever enough, because it requires your overt intervention. Your bank could choose sane defaults based on past behavior. If you always choose "English" and most frequently remove $40 from checking, that should automatically become the default, with an option to override. Hat tip to Alan Cooper's "The Inmates are Running the Asylum", a wonderful book about software design.
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